Refund Policy

A legal disclaimer

Arnett Evans and Company LLC is a licensed consulting firm. We are not connected with or endorsed by the U.S. government or the federal Medicare program. We provide independent insurance consulting services and may work with multiple carriers, plans, and products.

All information provided on this website is for general educational purposes and is not intended to provide legal, tax, or investment advice. Plan availability, benefits, premiums, and terms can vary by carrier, location, and year.

We make every effort to ensure that the information presented is accurate and up-to-date, but we do not guarantee that all details are complete or free of errors. You should verify plan details directly with the carrier or through official resources such as Medicare.gov.

Licensed to provide insurance services in: Tennessee, Mississippi, Texas, Florida, Michigan, and Maine.

National Producer Number (NPN): 18885861

Mississippi License #: 10564716

Tennessee License #: 2414445

Texas License #: 2456009

Florida License #: W595024

Michigan License #: 18885861

Maine License #: PRN338037

For questions about Medicare, visit the official U.S. government site at Medicare.gov or call 1-800-Medicare (TTY: 1-877-486-2048).

Refund Policy

Effective Date: August 8, 2025

Applies to: All consulting services provided by Arnett Evans & Company LLC in licensed territories.

1. Overview

Arnett Evans & Company LLC provides professional insurance consulting services for Medicare, pre-retirement planning, and related advisory work. Because our work involves personalized recommendations, research, and advisory sessions, our fees are generally non-refundable once services are delivered.

However, we understand that circumstances may arise where a refund or credit may be appropriate. This policy outlines when refunds may be issued, how to request one, and what limitations apply.

2. Eligibility for Refunds

Refunds may be considered under the following circumstances:

Service Not Rendered: If you have prepaid for a consulting session and it was not delivered, you are entitled to a full refund of the unused portion.
Duplicate Payment: If you were charged twice in error for the same service.
Cancellation Before Service Delivery: If you cancel more than 48 hours before your scheduled consultation, you may receive a full refund.
Technical Failure on Our End: If a virtual session could not be conducted due to technical issues caused by us, and rescheduling is not possible.

Non-Refundable Situations

Refunds will not be issued in the following cases:

You have received the full consulting session or completed service(s).
You cancel within 48 hours of the scheduled service without rescheduling.
Dissatisfaction with advice or recommendations after the service has been delivered (since outcomes depend on personal decisions, market changes, and carrier offerings).
Failure to provide the required documentation or information for the service.

Refund Process

If you believe you are eligible for a refund:

Contact us at a.evans@aecinsure.com or call 901-657-4202 within 7 calendar days of the original transaction.
Provide your full name, date of service, proof of payment, and reason for the refund request.
If approved, refunds will be processed within 7-10 business days via the original payment method.

Service Credit as an Alternative

In some cases, we may offer a service credit toward future consulting sessions instead of a cash refund. This will be discussed with you before processing.

State Compliance

This policy is designed to comply with consumer protection laws in:

Mississippi- Mississippi Consumer Protection Act (Miss. Code Ann. subsection 75-24-1 et. seq.)
Tennessee- Tennessee Consumer Protection Act of 1977 ( Tenn. Code Ann. subsection 47-18-101 et seq.)
Florida- Florida Deceptive and Unfair Trade Practices Act ( Fla Stat. subsection 501.201 et seq.)
Texas- Texas Deceptive Trade Practices- Consumer Protection Act (Tex. Bus. & Com. Code subsection 17.41 et seq.)
Michigan- Michigan Consumer Protection Act (Mich. Comp. Laws subsection 445.901 et seq.)
Maine- Maine Unfair Trade Practices Act (Me. Rev. Stat. tit. 5 subsection 205-A et seq.)

Nothing in this policy waives your right under applicable state law.

Contact

If you have any questions about this policy, please contact:

Arnett Evans & Company LLC

Horn Lake, MS 38637

901-657-4202

a.evans@aecinsure.com